Aetna Insurance Coverage for Rehab

Using Aetna for Drug and Alcohol Rehab Services

It is crucial to find the right treatment facility for your addiction disorder. You should research the treatment options available at that facility and their success stories.

Many people get insurance first, then get a list of rehabs from their insurance provider that lists rehabs they cover. This is the most efficient way to get a list of options that are covered with 100% certainty. When time is of the essence, this can help you avoid looking around and using a trial-and-error process to find a covered facility.

Many Aetna policies cover addiction treatment and is a provider we work with closely at Icarus. Many of their clients still have questions regarding whether they cover rehab and how much coverage they provide.

The burning question is: does Aetna cover rehabilitation? The short answer is yes, absolutely, but it is not always that simple. Keep reading to get more answers and details on using your Aetna insurance coverage for rehab.

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How Do I Pay for Rehab?

Some people attending treatment for substance abuse disorder pay cash. Despite the high cost of many facilities, you’d be surprised at the number of people who end up taking this route when it comes to footing the bill for rehab. It doesn’t have to be this way, especially with an Aetna policy in hand.

Depending on your exact policy, Aetna insurance coverage may be able to pay most, if not all, of your treatment at our facilities.

It is important not to minimize the severity of addiction disorders and the associated costs. We believe there is no cost to your health or well-being, even though it can be stressful to consider how to pay for rehab.

We understand that not everyone can afford to pay thousands of dollars for treatment. Therefore, we want to ensure you get every bit of assistance possible.

At Icarus Behavioral Health, our specialists can help you determine the best payment for treatment for you or someone you care about if you suspect you are suffering from an addiction disorder.

Using Aetna Insurance Coverage for Rehab: The Basics

Aetna Insurance for Rehab

Did you know that you don’t have to choose a rehab in your state to receive coverage? This is important because it allows you to expand your options to different states.

Aetna covers insurance providers throughout the United States. Icarus Behavioral Health is located in New Mexico, but we have clients who travel here from thousands of miles away. Even if the facility you’re looking to attend for treatment is in another state, Aetna often provides coverage.

Aetna Insurance was established in 1853 to offer life insurance to Americans. Due to the large number of soldiers who died and were injured, life insurance policies became very popular during the Civil War. The war caused Aetna to grow 600 percent in its business, which was when it started to prosper.

This organization is recognized as a vital player in the battle against the opioid epidemic. They’ve donated over $6 million to help fight against substance abuse disorder since 2018.

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The Effectiveness of Aetna Policies for Addiction Treatment

While it is essential to help cover treatment costs, we encourage patients also to find insurance providers like Aetna that provide valuable resources for daily life. Many insurance providers have programs that provide literature to the families of those in treatment.

This literature provides information to help them better understand what their loved one is going through and how to help them cope with life when they return home.

A customer center is also available on their website for policyholders. It answers most questions regarding their policies. It is very user-friendly and easy to navigate.

A majority of Aetna plans offer some coverage for substance abuse treatment. You may need to pay coinsurance or deductibles for addiction treatment. We recommend speaking with our Admissions representatives to learn more about what you might have to cover before planning out a budget for treatment.

Does Aetna Cover Medical Detox?

Does Aetna Cover Medical Detox

Sometimes medical detox is the first step in the recovery process. It is the gradual elimination of the substance from a person’s body. Because the client will experience painful withdrawal symptoms, detox can be very uncomfortable and with alcohol and benzodiazepines, potentially fatal.

These symptoms include fatigue, cold sweats, muscle tension, heart palpitations, and irregular heartbeats. In extreme cases, seizures may occur. Medical detox is usually the first step to recovery and is necessary in most cases to preserve your health and avoid significant discomfort.

This also helps prevent immediate cases of relapse. If clients are kept comfortable during withdrawal, the chances of them seeking drugs to avoid the pain are much lower.

Depending on the type of Aetna policy, detox can be covered partially or fully. Detox and admission to an inpatient program using insurance are often fully covered with many Aetna PPO policies, among other forms of plan.

What are the Differences Between Inpatient and Outpatient Rehab?

One of the first things we do at Icarus Behavioral Health is assess your physical and mental capacity. We’ll determine what might be the most appropriate level of care. Our experts recommend outpatient or inpatient treatment based on several factors.

If we recommend inpatient treatment, your condition requires more intense therapy and a higher level of attention. In most cases, if we recommend inpatient treatment, it’s likely that your provider requires a prior authorization form. We understand how frustrating this can be, and we’re equipped to respond with the appropriate paperwork.

We do our best to process these requests as fast as possible and help with any required paperwork. Our staff understands that when it comes to rehab, time is of the essence.

Can Dual Diagnosis Treatment Programs Be Covered?

Dual Diagnosis and Mental Health Support

If a dual diagnosis is established, clients will be enrolled in our dual-diagnosis program. This allows them to treat both disorders simultaneously.

During dual-diagnosis treatment, experts at our facility can get to the root of your substance abuse disorder, allowing you to increase your odds of long-term recovery. It’s difficult to bank on a long-term solution if you’re not treating the exact cause of the problem.

You only treat the symptom when you seek therapy for the substance abuse disorder. This can be a surefire way to experience relapse eventually.

Are There Differences Between In and Out-of-Network Rehabs?

When navigating your Aetna policy, you can save money by knowing the differences between out-of-network and in-network companies. Your agent will provide you with more information regarding facilities in the network.

However, in-network coverage means selecting a provider from a list of designated rehab locations. These facilities have contracts with Aetna insurance, setting prices for the various forms of coverage they provide.

No matter what occurs, they can’t raise the price of treatment past a certain point. These facilities provide this option for insurance companies in exchange for a certain amount of clients each year. It works out as a mutually beneficial trade for both parties.

We know how important it is to determine the exact amount you will have to pay out-of-pocket for your treatment. Our staff at Icarus Behavioral Health can review your Aetna policy and provide information about insurance coverage. Your policy may provide coverage for a significant amount if not all of the rehab you need. Let’s look at the specific plans provided by Aetna.

Be aware that Icarus is currently ‘out-of-network’ for Aetna policyholders, though we offer accessible and affordable treatment options nonetheless.

What Forms of Aetna Insurance Plans Are Offered?

Aetna Insurance Plans

Aetna offers several plans:

  • HMO (Health Maintenance Organization) plans are low in monthly premiums and deductibles. They often require you to pay a copayment for visits to specialists and doctors.
  • Point-of-service (POS) plans will require you to choose a primary care provider (PCP), who will refer you to specialists as necessary.
  • Exclusive Provider Organization (EPO) plans only cover in-network services but have a more extensive network than other plans.
  • Preferred provider organization plans don’t require PCP referrals to access in-network and out-of-network services. PPO plans usually have high monthly premiums and low copayments.
  • High-deductible health plans offer higher deductibles and lower monthly rates than other plans. They often include a savings account for healthcare to offset out-of-pocket expenses.

You can contact Icarus today to learn more about your Aetna rehab coverage. A quick and completely confidential call can give you all the details about costs and coverage status.

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Does Aetna Provide Mental Health Care?

Yes, Aetna covers mental health care.

The ACA requires that all insurance plans provide basic behavioral health coverage. This includes treatment for both mental and substance abuse. At Icarus, it is standard for co-occurring disorders to be a part of client treatment plans. Studies have shown that approximately 50 percent of those with substance abuse disorders also have a mental disorder.

Integrative care is the best way to manage mental illness symptoms and avoid resorting to drugs as a coping strategy. Integrative care provides both substance abuse treatments, including detoxification services, therapy, and aftercare. The coverage of mental health services will depend on your Aetna plan.

Obtaining the most efficient coverage for you is essential to any insurance plan and rehab stay. If you’re not provided with the elements you need, you’re likely to suffer a return trip from a lack of proper knowledge and education regarding substance abuse.

Lasting Recovery Is Possible with Aetna and Icarus Behavioral Health

Long-term Recovery Is Possible with Aetna

At Icarus Behavioral Health, we understand that dealing with insurance and finding a rehab center is stressful. Once you get to treatment, you want the experience to be as fulfilling as possible.

Our goal at Icarus is to provide you with the most fulfilling rehab experience possible and give you the best odds of long-term recovery. Our experienced staff comprises compassionate counselors who believe in our mission – and this belief shows in our results.

To find out how we can help you obtain long-term recovery, contact a member of our admissions team today!


* Disclaimer: Icarus Behavioral Health is not affiliated with or endorsed by Aetna. Details about Aetna’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered. Please call our Admissions team for more definitive details on your plan and options.


Frequently Asked Questions on Aetna Rehab Coverage

Does Aetna cover alcohol and drug rehab?

Yes, Aetna does cover substance abuse rehab. However, the coverage you receive depends on your policy, your state, and the facility you’re attending.

Will Aetna cover medically assisted detox?

Yes, medically assisted detox is one element of rehab covered under Aetna insurance. They may cover all or a portion of medically assisted detox. Check with your agent to get a definitive answer.

Does Aetna cover MAT?

Aetna cover MAT

Aetna covers MAT (medication-assisted treatment), but there are different scenarios in which they provide coverage. During rehab, while you’re still physically attending, you’ll receive coverage for MAT as a part of your treatment costs.

However, after treatment, it will be covered as a prescription, which could substantially change the amount you’re used to paying. If you need MAT after treatment, you’ll want to know what type of prescription coverage you have through Aetna.

Does Aetna cover dual diagnosis treatment centers?

If you’re diagnosed and need dual diagnosis treatment, most Aetna plans will cover at least a portion of this treatment, if not the whole cost.

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